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Strong Customer Authentication

To enable Google Pay to return appropriate payment credentials for transactions subject to Strong Customer Authentication (SCA), you might need to update your implementation.

If you've completed a Google Pay API V2 integration, the following changes are required.

Update your PaymentDataRequest object

Update your PaymentDataRequest object with the following properties:

• merchantInfo.merchantName : The merchant name is rendered in the payment sheet.
• transactionInfo.countryCode : This indicates where the transaction is processed. You must specify the acquirer bank country.
• transactionInfo.totalPrice : The total monetary value of the transaction, with an optional decimal precision of two decimal places.

Updated PaymentDataRequest object example

The following is an example of an updated PaymentDataRequest object:

{
  "apiVersion": 2,
  "apiVersionMinor": 0,
  "merchantInfo": {
    "merchantName": "Example Merchant"
  },
  "allowedPaymentMethods": [
    {
      "type": "CARD",
      "parameters": {
        "allowedAuthMethods": ["PAN_ONLY", "CRYPTOGRAM_3DS"],
        "allowedCardNetworks": ["AMEX", "DISCOVER", "INTERAC", "JCB", "MASTERCARD", "VISA"]
      },
      "tokenizationSpecification": {
        "type": "PAYMENT_GATEWAY",
        "parameters": {
          "gateway": "example",
          "gatewayMerchantId": "exampleGatewayMerchantId"
        }
      }
    }
  ],
  "transactionInfo": {
    "totalPriceStatus": "FINAL",
    "totalPrice": "12.34",
    "countryCode": "GB",
    "currencyCode": "GBP"
  }
}

Handle the response object

Merchants receive one of the following:

• An authenticated payload that can be processed without any further step-up or challenge.
• A PAN that requires 3D Secure 2.0 through a solution provided in-house or through payment service provider partners (PSP)

Most of our PSP offer the ability to apply appropriate instrument risk checks and step-up transactions. Where applicable, this includes 3D Secure for Google Pay PAN PAN_ONLY transactions.

If you have an in-house risk management tool, use the assuranceDetailsRequired parameter to get more details about the transactions.

If assuranceDetails.cardHolderAuthenticated returns false, apply appropriate instrument risk checks and step-up transactions. Where applicable, include 3D Secure.